*O.A.C. Offer not valid on Mastercard Credit Cards, Certificate Secured, Share Secured, Personal Line of Credit, Mortgage, Home Equity Loans, Delinquent Loans, or for members with any late payments on a True North loan or line of credit in the past twelve months. Eligible loans include loans with six prior consecutive monthly payments and no more than two skipped payments in the past twelve months. Skip-A-Pay is limited to two skip-pays per eligible loan; $30.00 skip-pay fee for each payment skipped. Offer expires 1/31/2024.